Apply Online
Welcome to SBI Home Loan Sanction
Attractive Features

A) . Interest Rate (w.e.f. 05.10.2015)

(Base Rate: 9.30%)    
Borrowers' category Home Loan interest rate, irrespective of loan limit EMI per Lac for 30 year Tenor Maxgain above Rs. 1 crore CRE Maxgain, irrespective of loan limit


20 bps above the BR i.e. 9.50% p.a.

Rs. 841

45 bps above the BR i.e. 9.75% p.a.

65 bps above the BR i.e. 9.95% p.a.


25 bps above the BR i.e. 9.55% p.a.

Rs. 845

50 bps above the BR i.e. 9.80% p.a.

70 bps above the BR i.e. 10% p.a.

  • The woman should be the sole applicant or first co-applicant of Home Loan and also

  • The property proposed to be financed should be either in the sole name of the woman borrower or she should be the first owner in case of joint ownership

B. Present EMI

Rs.860 (per lac for 30 years period @ 9.75% p.a.)

Rs 856(per lac for 30 years period @ 9.70% p.a. for women borrowers)

C. Processing Fee (w.e.f. 01.04.2014)

Amount (Rs.) Processing Fee
Upto 25 Lacs 0.25% of loan amount, minimum Rs. 1,000/-
Above 25 Lacs and upto 75 Lacs Rs. 6,500/-
Above 75 Lacs Rs. 10,000/-

D. Prepayment Penalty

Not chargeable

E. Margin

Loan up to Rs.20 lacs10%

Loan above Rs 20 lacs to 75 lacs - 20%

Loan above Rs. 75 lacs25%

F. Maximum Period of Loan

30 Years

G. Any advance EMI recovery (at the time of disbursement of Loan)


H. Remarks : CNBC Awaaz Best Home Loan Provider Award 2012

SBI Home Loans has been voted as the most consumer friendly by the public across the country.

(The terms and conditions of the Loan are subject to change without notice)

For SBI Online Home Loan Application click here